Remarkably, nearly one fourth of Texas drivers lack auto insurance. In fact, drivers of 4.1 million vehicles break the state law requiring it. Clearly, much needs to be done to solve this problem, but there is one thing you can do to safeguard your family against deadbeat drivers: You can purchase uninsured motorist coverage as part of your auto insurance. If you don't do this, and a driver who's uninsured or underinsured hurts you or a loved one, you could face major problems getting economic recovery for your medical bills and other losses. The fact that you weren't at fault or that you have auto insurance won't matter.

When an uninsured driver causes a car wreck via negligence or recklessness, the innocent persons who are harmed could suffer extreme monetary losses. However, one basic and simple solution exists. That is to buy uninsured/underinsured motorist (UM/UIM) coverage, which can cost as little as 30 per cent of what you pay for liability insurance, yet provide inordinate protection. If a deadbeat driver with no insurance harms you, your own UM/UIM coverage can lend vital protection.

For traffic collisions, state-mandated liability coverage in Texas is $25,000 per person and $50,000 per accident. If your damages are more than this, your UM/UIM coverage can protect you. The cost of such coverage is a small price to pay when you consider the enormous savings it can provide you if you are injured by an uninsured driver.

Texas motorcycle riders in particular should get UM/UIM coverage. The state has an exceptionally high rate of motorcycle accident deaths and injuries, and because motorcyclists are vulnerable, their accident expenses can be gigantic. Further, most motorcycle accidents are the fault of automobile drivers who fail to yield, and since many don't have insurance, motorcyclists often may need UM/UIM coverage.

Relying solely upon your health insurance after an accident is not enough, because such insurance doesn't provide financial compensation for lost present and future wages, or for your pain and suffering. But UM/UIM coverage can provide such protections.

Enforcing state law requires far more to be done to get uninsured drivers off our roads. The Houston-area cities of Richmond and Pasadena, TX have one solution: impound uninsured drivers' cars until they get insurance. After all, they're being driven illegally. But you can provide your own counter-action: Buy UM/UIM coverage to protect your family - and possibly ensure your peace of mind.

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Article Submitted By: Bruce Westbrook
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